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All Journal Jurnal Maps (Manajemen Perbankan Syariah) El-Qist : Journal of Islamic Economics and Business (JIEB)
Setyowati, Diharpi Herli
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Economics, Econometrics & Finance Library & Information Science Social Sciences

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ANALISIS KINERJA KEUANGAN BANK UMUM SYARIAH SEBAGAI DAMPAK INEFISIENSI OPERASIONAL Setyowati, Diharpi Herli
Jurnal Maps (Manajemen Perbankan Syariah) Vol 3, No 1 (2019)
Publisher : STIBANKS Al Ma'soem Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32483/maps.v3i1.31

Abstract

This study aims to measure and analyze the effect of operational efficiency which is proxied by bank financial ratios consisting of the ratio of Operational Costs to Operating Income (BOPO), Allowance for Earning Asset Losses (PPAP), Non-Performing Finance (NPF), to Return on Assets (ROA). The method used in this research is an explanatory method. The sample of this research is 11 Islamic Commercial Banks (BUS) with the use of purposive sampling technique in determining the sample. The data used in this study are secondary data obtained from annual bank reports from 2010 to 2018. The analysis technique used is multiple linear regression analysis. The results showed that only BOPO had a negative and significant effect on financial performance, which was proxied by ROA.
APLIKASI SISTEM KEUANGAN MUSYARAKAH MUTANAQISHAH SEBAGAI INSTRUMEN PERMODALAN UMKM DI INDONESIA Muflih, Muhammad; Setyowati, Diharpi Herli
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 5 No. 2 (2015): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

This study is intended to give the solution of minimum rate of funding in the area of small and middle enterprise. So far, Islamic banking posses the system of musyaraqah mutanaqishah (MMQ) as the new way in enlarging the scope of business of profit sharing system. Unfortunately, in the real process, this system was intent on optimalizing the property business. This study tries creating the new direction of MMQ, namely to organize the potentiality of MMQ in lifting up its funding system for the existance as well as the sustainability of small and middle enterprise. By applied analysis approach, this study was successful in configurating the practice system of MMQ funding in the region of small and middle enterprise. To make easy the process of application, baitul mal wa tamwil is laid as the experiment place.
Co-Authors Muhammad Muflih Sartika, Ayu Setiawan Setiawan